Current Television for Dummies: A comprehensive guide

You really should like the shows I like, but since you probably don't have time to watch 12-15 hours of television a week (depending on the ridiculous length of American Idol), I will forgive you.

To help you get started on on your journey to TV heaven, I am going to provide you with this comprehensive guide of the best television shows televised on television sets.

Now... to all of those people who are fans of the simpsons, family guy, the bachelor, 30-rock, community, flash forward, V, and whatever else... I just don't have time for your show, okay? So this is an uncomprehensive comprehensive guide of the best television shows televised on television sets.

BTSTOTS

Which is surprisingly the abbreviated description of the tater tots at Sonic.

So here are the shows. You can just check out the shows you are interested in. I will provide a title, a random and arbitrary "awesomeness score", a synopsis, a mini review, and the formula that these shows always always always follow.

After reading this, you won't even need to watch TV. Think of all the time I'm saving you!

The Office

Awesomeness Score 9.9/10

Synopsis:

A bunch of people work at a paper/printer sales and distribution company in Scranton PA. Nobody is really very attractive, plenty of them are very unattractive. These people are all caricatures of characters you've worked with before.

Formula:

Something silly happens in the opening, Someone has a problem, the boss blows it out of proportion, the boss naively offends someone, Jim and Pam diligently try to calm the waters, something silly happens as the credits roll.

Mini Review:

Once you get yourself in-tune with the office, it is really, really funny. Maybe you don't "get" the show. It's not because you aren't smart, it's because you aren't trained. I promise you, if you watch the first 2 seasons of the office you will be hooked.

You have to know these people in order to recognize the incredible humor the show brings. It's hilarious that Dwight's hero is Jack Bauer, that Michael Scott's handle on a dating website is "little-kid-lover" so people know where his priorities are at, that Andy loses his freaking mind when he can't answer his ringing phone, and that the Scranton Branch is the #1 branch at Dunder Mifflin. Never heard of it? Have you ever heard of paper?

If you just sample the show and take it at face value, it will seem kind of stupid. But if you'll get to know these people and understand their personalities and motivations, you'll begin to see the light.

Lost

Awesomeness Score: Sometimes 9.5/10, other times 3/10

Synopsis:

A bunch of ridiculously attractive people are stranded, hot, and sweaty on a dangerous and mysterious island that might be an island, or hell, or purgatory, or a dream, or a time machine, or maybe some sort of vortex that helps people understand the purpose of life.

Formula:

People are on a lovely beach, something scary happens, hot chick goes out into the jungle, hot dude says something sarcastic and does something selfish, hot doctor overreacts, fat dude says something funny, nobody knows what the crap is going on, new questions are created and the writers forget about them.

Mini-Review:

Lost is incredibly frustrating. The show is mind blowing and super addictive, but it's really really stupid. It tries so hard to do something smart, but halfway through the smart story it tells it forgets where it's going. Stupidity turns into mystery, ridiculousness turns into intensity...Like Magic! The characters draw you in and string you along until you just kind of want them to leave you alone.... but you can't stay away, and lo and behold more questions are left unanswered each Tuesday night.

Burn Notice

9.2/10

Synopsis:

Super spy named Michael who is a little too skinny for the job get's "burned" out of the CIA by some mysterious turds who framed him. Spy wants his life back, so he makes a super cool team with a way-too-skinny half-naked bombmaker who never seems to have the same accent two weeks in a row, and a sort of fat ex Navy S.E.A.L. who says funny stuff, dates middle aged women, and drinks a lot.

Formula:

Michael is trying to figure out who burned him, and who their boss is, and who their boss is, and who their boss is etc. etc. Along comes someone who needs a little hired help and they just happen to have thousands of dollars and a reason not to get help from police. The navy seal gets info from the government without any trouble for some reason, and the skinny lady wants to blow everyone up. Michael outsmarts some bad guys with guns by using neat spy tricks and a quick wit. Michael explains how to do everything he does, from ditching cops to building bombs out of household goods. Michael wins all the battles, but can't seem to win the war.

Mini Review:

Burn notice draws you in with an incredibly interesting cast. The show gives you a "been there, done that" feel all the time, but it does it with so much style. Everything on that show is beautiful, including the city of Miami. Burn notice is brilliant at helping you get into the head of the characters and understand their conflicts. Nothing is black and white and there are trade-offs to every action.

"24"

8.8/10

Synopsis:

The biggest bad-Eh in the world works for the counter terrorist unit (CTU) in Los Angeles or sometimes DC or sometimes NYC. We follow him throughout his entire 24-hour day in real-time as he manages to avoid using the bathroom or eating, or speaking in a normal tone of voice. Bad things always happen to him, and he always does bad things to other people, but he is loyal to his country forever.

Formula:

Jack's day starts sometimes in the morning, sometimes at night. Jack is annoyed by something mundane or whatever, and then he gets pulled into a crazy wild problem that starts as just some organization threatening the city with a nuke, or a poison, or a nuke, or a poison gas, or a nuk,e or a bio agent, or a suitcase nuke, or a government takeover, or the rods from a nuke. AHHHHHH! AND THEN it turns into a crazy conspiracy involving pretty much everyone. Jack can't trust anyone, Jack breaks the law, government chases Jack, someone screws up, Jack says "Damn it!" Jack says "Trust Me", Jack kills some dudes, shoots a gun out of someones hand, arrests and tortures at least 2 innocent people, gets betrayed by a mole, eventually exhausts all his leads, and magically ends up saving the day at the last minute... and it always takes 24 hours. Not 22, not 25, but 24 (maybe sometimes it's only 23 and a half, and then we see Jack go relax... I mean get kidnapped, or tortured, or watch his wife die.)

Mini Review:

This show is the most addictive show ever. 60 year-old people will find themselves staying up 'til 3 to watch "just one more" episode. The show wanes here and there, and it's totally predictable now, but I will forgive it for coasting since it had four or five incredibly awesome seasons during it's prime.

Castle

8/10

Synopsis:

A charming and famous crime novelist named Castle manages to call in a few favors from the Mayor so he can tag along with a good looking female detective and gain some inspiration for a new book. He ends up being surprisingly helpful and a great team is formed.

Formula:

Castle has some sort of awesome witty banter with his mother and his daughter. He is doing something juvenile or whatever when he gets a call that someone was murdered (apparently people are murdered in crazy ways ALL THE TIME). Castle goes to the crime scene, says something inappropriate for the occasion, Detective Becket makes fun of him, they flirt, Castle says something inappropriate, Becket Rolls her eyes. Becket walks quickly in her impractical high-heeled shoes. Together they collect theories, post them all on a white board, think they find the bad guy, question the guy, realize he's not the right bad guy, castle comes up with a crazy theory, Beckett makes the theory less crazy, they go get the real bad guy, but the allotted hour has run out so they don't interview him.

Mini Review:

The plot lines in Castle are not that much different from all of the other murder/police shows out there, but the style and dialogue is quite unique. You probably won't care about the stories that much, but you'll like it because they talk about it in such a cool way. Also, Rick Castle is awesome because he's played by Nathan Fillion who plays the Captain on Firefly/Serenity (also an awesome show, but it's not on TV anymore)

House

7.7/10

Synopsis:

Super-Genius doctor breaks all the rules in order to diagnose rare diseases, in an effort to satisfy his desire to find the missing piece of the puzzle. Dr. House works with a team of Doctors who apparently like to be manipulated and abused. Dr. House has no respect for authority but he's so good that he apparently can't get fired, and he also has a beard that never seems to grow longer than a quarter-inch.

Formula:

House comes into his office later than he should and his team of outlandishly attractive doctors are busy working on a strange new case. House only has one case at a time (except for a few rare crazy exceptions). House and his team talk about a bunch of stuff and House shoots down all the solutions until he has them try something that doesn't work. Something else is tried and doesn't work, and then something else. The team gets consent 4-9 times for stuff that doesn't end up helping. The situation seems hopeless, House and his friend Wilson have some witty banter until house gets this constipated/thoughtful/High-on-drugs look on his face due to some epiphany. House saves the day right before the patient is going to die, but after they've already lost/had a transplant for at least one major organ. No talk of money or medical costs of any kind.... EVER. Oh, and they always get to use whatever machines they want whenever they want. It's like Obama-Euphoria.

Mini-Review:

Dr. House is just awesome, and that makes his ridiculous show awesome. The actor, Hugh Laurie is an incredible musician, and it's cool that they let him perform on the show from time to time. The best season of this show was probably the second season.

Bones

7.6/10

Synopsis:

The Neanderthal-like and manly FBI Agent, Seely Booth gets teamed up with a genius forensic anthropologist who has no brain filter. Both Nicknames Dr. Brennan "Bones", but she hates it. Bones has a team of research scientists who apparently love to solve crimes and devote their careers to helping the FBI, even though they are all super genius academic types who probably would be way too snooty to get along with the feds.

Formula:

The show starts with some gory and gooey pile of boneflesh, and some people in blue jumpsuits are walking around and picking goop up with tweezers and zip-loc bags. Agent Booth comes and says something funny, Dr. Brennan doesn't get it. Dr. Brennan tells the cops to take the stuff back to the Jeffersonian (her museum/science lab) Dr. Brennan wears something low cut and has dangley jewelry that never seems to dangle into the muck. Her team analyzes everything. One doctor looks at bugs and goop and has a magic machine that can tell him where every speck of goop and dirt originated from. Some doctors team up to do a stupid experiment that is scientifically invalid but proves to be useful anyway. Some artist manages to create 3-D depictions of the victims face and what happened to them, and she has access to technology that originated sometime in the year 2104. The feds pick some bad guy up who isn't the real bad guy, but leads them to the real bad guy. Nobody is read their rights. None of the bad dudes seem to want lawyers, and all of them seem to confess.

Mini-Review:

This show is still on because of the cool people on it. The show is completely unreasonable and unbelievable, but the interaction between the nearly autistic but brilliant Brennan, and the All-American Hero, Booth, is just wonderful enough to keep me hooked.

Chuck

7.5/10

Synopsis:

Some nerdy dude named Chuck gets framed and kicked out of Stanford, and the dude who framed him sends him a file of pictures (all of the government's secrets) that somehow gets downloaded into Chuck's brain. A beautiful CIA agent who has odd teeth is sent to watch over chuck. The Agent, Sarah, is small and slow, but she beats everyone up. Chuck is also aided by the large and awesome actor dude who played "Jane" on Firefly. Chuck can access all of the government's secrets better than a computer, and then eventually he can actually use the info and turn into a kung-fu master.

Formula:

Chuck works at the Best Buy... I mean the Buy More, in the Geek Squad... I mean Nerd Herd, and he's just going about his day and having fun when A MISSION COMES IN! The mission is strange and requires special disguise outfits. Chuck and Sara go and do something dangerous, and Chuck manages to save the day after he screws up a few times. Chuck wants to talk to Sara about how much he loves her face. Chuck wants to tell his family about his secret life. Chuck doesn't do either.

Mini-Review:

Chuck is a good show, but I'm pretty new to it, so I can't do an effective mini-review. I just know that Chuck is kind of likable, even though he's really annoying to my wife. I insist she doesn't like it because of the Hot Lady's teeth that are unexplainably strange.

American Idol

6.4/10

Synopsis:

A bunch of bad singers get manipulated and ridiculed in front of 25 million people, and a bunch of good singers are slaves to a TV show and they are all voted on based on a wide variety of critera (singing ability being low on the list) The public votes and the losers get eaten by sharks... or sent home or something. No matter who wins, someone is disappointed. Teens vote much more often than everyone else, so true talent is often overlooked. (Although Kris Allen truly is better than Adam Lambert. Oh snap!)

Formula:

Ryan, the host, says some lame, wannabe intense stuff at the beginning of the show and the contestants line up with spotlights on them. They all try not to shake, and then they go and wait until its their turn to sing. The bad singers get ripped apart, first by some guy who played bass in journey, then by a comedian who likes music but doesn't make any, then by a songwriter who thinks she's super hot, but has a face that resembles the baby of a pucker fish and a vacuum attachment, and FINALLY a mean British dude tells the truth and everyone loves him for it.

So the bad people basically get told they are bad four times in a row and they just have to stand there. The really talented people usually go home when there are three or four people left, and then the popularity contest ensues. The winners and others in the top 20 go on to make albums and sing on cruise ships.

Mini-Review:

This show is losing its steam. Nobody, especially not Simon, seems to really care about it anymore. Ratings are slipping, but the music and the incredible drive of the contestants still makes for good entertainment.

Biggest Loser:

6.8/10

Synopsis:

A bunch of absolutely huge and unhealthy people compete to see who can lose weight. They work out with celebrity trainers four hours and hours and they eat very little. Weight loss determines the two or three people in danger of going home and then the contestants vote for who should go home.

Formula:

The contestants mourn over whoever went home last week, and they all say it was a hard choice. Then some lady from a soap opera comes and tells the contestants what ridiculous thing they have to do that day. The unfit contestants have to push something really big or run really far or face their fear of heights. The winner, or winning team gets something cool or some bonus. One of the trainers psychoanalyzes a contestant and makes him/her cry. Someone gets in trouble for trying to "play the game" too much. Then all of the large Marks and Marges get up on the scale, let their man-boobs and spare tires hang out and show everyone how much weight they lost. All of the contestants give private commentary that seems strangely scripted and way too eloquent. Everyone pretends not to play the game, but decides to send home people who are bigger threats to them.

Mini-Review:

This show goes way too far. It encourages rapid weight-loss and most of the contestants gain the weight back. The show creates financial incentives, and lifestyles that are very conducive to weight loss, but really doesn't train contestants on how to be healthy forever.

WHO CARES? It inspires millions of people to get into shape, and the contestants are way healthier when they leave.

Twilight: A review for Men

Warning: This review is of the Twilight book series, not the awkward movies. I don't know if I remember enough details to actually "spoil" anything, but I guess I might do so on accident. (It's not like you're planning on reading it anyway)

We are men. We eat beef while it bleeds; we wrangle beasts with our bare hands. We don't have time for ultra-chaste, ridiculously glittery, pretty-boy-vampire love stories.

I'm here to tell you that you should give the books a chance... "for your wife's sake."

If you have some time between replacing an alternator, knocking down a wall, cleaning yourself with steel wool, and watching Jack Bauer marathons, then pick up "Twilight" and read for a while. Maybe you'll hate it, maybe you won't. Feel free to read it in the closet with a flashlight so it doesn't hurt your "manly" public image.

First of all, I reject the whole premise of the book. It's downright crap. You will understand, because you are a man. We men need substance, we need meat, we need red blooded love... We want women who are confident and independent outside, and feminine, precious and witty inside the house.

This book is not about that. This book is about an obsessed little nitwit girl. Recklessness instead of courage, baseless infatuation instead of love, aimless hormones instead of passion.

Love makes you smart, these people are dumb. Sure, hormones make you dumb, but love is what helps you rise above that.

In Twilight, the basic foundations of the total love story are:

1: A girl who can't control herself because her curiosity and raging hormones pull her toward this mysterious man. Oh, and he shines in the sunlight, but he only lets her see it. *Special*

2: A guy who is pretty much okay on his own, but this girl smells s'damn good that he just can't stay away.

If this relationship works out, it's based on luck. They didn't act based on love, they just reacted to their useless impulses.

Is this theme strong enough? Maybe for the first book. I can totally see it. A pinch of danger, a dash of mystery, a heaping of "I want your body," and maybe you can get through the first adventure.

But this crap goes on for four books. This is supposedly the beginning of an eternal relationship of immortals. That's total BS my friends.

They...Got...Lucky! (I'm not talking about that kind of lucky dudes)

It's like buying a house without looking inside, without getting an appraisal, and without talking to anyone who has lived there. Oh, and this house is in a dangerous neighborhood and all the neighbors want to eat you alive.

If the house works out, it was because you got lucky, not because of how romantic the porch and backyard looked.

So that's what I see when I read Twilight. The woman writing the story forces this ridiculous idea through the books because she fundamentally believes that women are stupid, and men are out of control.

But even though this book is based on a sandy foundation that will wash away (or make you so sick you want to hurl on it) it does have some redeeming qualities.

1: The Vampire women are smokin hot. Sure, you have to use your imagination because Meyer can only describe them with words like "most beautiful" "Super Model" "flawless".

2: The Vampires have special powers. You know you'd love to read minds, tell the future, bend steel with your hands, and persuade people to do whatever you want. It's interesting how these vampires use their powers to their advantage.

3: There is danger, action, tragedy, and triumph. We all love triumph in the face of horrible odds.

4: A group of vampires want to eliminate the people involved in this sugary "romance," which is sort of satisfying.

5: You can relate with the burly hairy werewolf guy who is way better for the girl, and isn't almost guilty of statutory rape like the Glittery Vampire.

6: A ton of the book is unintentionally funny.

7: This book is about heroes.

This last one is not the least. I don't think these heroes are especially heroic, especially Edward (The sappy lover boy/fogey). He's brooding, manipulative, impulsive, jealous, and he apparently hasn't developed the ability to think clearly when he's angry. He acts like a mother bear when her cubs are in danger.

Carlisle, the daddy vampire, is super awesome.

He has built up this amazing family and he has protected them from harm. He's like a monk, teaching them to give up impulses and use wisdom. He teaches his "children" that they shouldn't harm others, and they all learn to survive by sucking on animal blood in order to spare humans. Carlisle loves his son Edward (The sappy lover boy/fogey) so much, that he risks everything he has worked for and holds dear in order to help him be happy.

Carlisle brings Bella (Sappy nit-wit lover girl) into his home and tries to help her become the woman that Edward deserves. Carlisle is patient, he is brilliant. The guy understands that sometimes you have to sacrifice for the greater good of your family.

Instead of focusing on the true romance in this story, between Carlisle and his wife Esme, Meyer focuses on the ridiculousness that is *Edward hearts Bella.*

If I thought Meyer had the foresight to predict her massive success, I would accuse her of intentionally taking advantage of the silliness of thousands of teenage girls.

This book is fantasy, but not good fantasy. Good fantasy utilizes the good and the bad in people, and points out how evil destroys and good builds. It focuses on how when people are loyal, hardworking, and heroic, they can accomplish anything.

This book is fantasy because it seems to actually portray that you can be as stupid as you want, and everything will be okay as long as Edward (or someone dreamy enough) is around.

But we've all been stupid, from time to time,

doesn't it always end with love sublime?

There are no consequences, when love is in near,

Those bills, jobs, and criminals we shall not fear.

The Health Care Debate: The dead horse I am beating

My two-year-old post on the individual health insurance mandate.

If the average patient does not know or care about the cost of her healthcare, it will never be "affordable."

But before we get to that, I need to address the core issue:

Is health care a fundamental right? I believe it is to a certain extent. We can debate that all you want, but it won't be that effective. Instead, let's talk about fundamental rights for a moment.

The Right to Privacy from unreasonable searches and seizures

You have a fundamental right to privacy under the bill of rights. Privacy from your neighbors?? Nope. Sure, you can sue someone for trespassing (probably not going to get much money) and a person can be arrested for trespassing (if a state has that law).

Your neighbor simply cannot violate your constitutional right to privacy, because the Fourth Amendment applies to intrusions from the government. The government can't search your stuff or take control of your stuff unless certain conditions are met (Ask me about this if you really want to know all the criteria).

Does the government mess with your stuff and violate the 4th Amendment sometimes? Yeah, it happens all the time. "Double you tee eff! The Constitution says they can't do that! Why didn't the cops stop them from doing that?"Because the government doesn't have to stand outside your house and make sure cops don't bust in without a warrant.

You don't have a fundamental right to a security system that will help protect your 4th amendment rights. You have the right to sue the government if they violate your rights. Additionally, the Government probably can't use the evidence they find against you if they Violated your rights.

Nobody has the job to stop the government from violating your rights, you just get a chance to use the judicial sledgehammer and smash them. Hopefully the fear of punishment will stop them from doing the same thing in the future, but there is no preemptive strike provision in the bill of rights. The government doesn't have to build a wall around your house, they don't have to give you locks for your luggage, and they don't have to make sure you have a private place.

Health Care compared to Privacy

The health care debate is very similar. The Constitution simply cannot be interpreted to guarantee that the government will proactively provide healthcare. Also, the Constitution can't possibly be interpreted to mean that the government is responsible to make sure the quality of health care is acceptable. Maybe people should be able to sue if they are not allowed to offer emergency or clinical services, but that doesn't mean they shouldn't have to pay for it later.

So then any "fundamental right" to health care must be some sort of moral human right. Some Governments have the authority to codify human rights. The U.S. Congress specifically has authority to regulate interstate commerce, and that's a big ol' umbrella that covers almost everything. (This is another complicated legal subject that requires more explanation that I don't have time for here) So this issue is a bit tricky, but lets just assume that congress has the authority under the Constitution to fine people if they don't get insurance.

Heck, let's assume congress could just create a new health care amendment like:

"No Citizen of the United States shall be denied access to care in hospitals operated by the several states"

Such an Amendment would suggest that there is some type of fundamental right to health care, or at least access to health care. I don't see how an Amendment could do much more than this.

What are you going to say? "Everyone shall get free healthcare." Well it simply can't be free. Someone has to pay for it. So basically that's the same as saying "All people who don't pay taxes shall get free health care"

Or maybe you could say "The government shall establish hospitals funded by the treasury"

Well how many hospitals? Does each city and small town need one? How far should someone have to drive for health care? "I have a fundamental right to health care within a 20 minute drive!!!"

What if the government set up a big-A hospital in washington DC, and everyone could just go there for free. Wouldn't that give everyone in the country access to health care? "But John, that hospital would be overrun. That just doesn't make sense."

So what would you have the constitution say? "The Government Shall Establish Hospitals which are solely funded by the treasury, and such hospitals shall be established within 37 'as the tire rolls' miles from every city, town, or association with a population of more than 632 citizens."

Can you see what I'm getting at here? No matter what you do, someone would be screwed. So you can't really guarantee that everyone has equal access to health care. What standard of quality would you use? Would the government have to make sure that doctors passed a federal certification to be qualified under the constitution? It would be nearly impossible to regulate.

So what does that mean.

This leads us back to where we are today. Congress realizes they can't actually guarantee any standard of quality, so they are pretty much just saying that everyone gets reimbursed for whatever health care they can find. So either the government will provide insurance, or they will just require everyone to have insurance. Sure, there will be some level of quality required before a clinic or hospital can be eligible for reimbursement. But what if a little doctor's office doesn't want to take the government insurance? (A lot of Doctor's won't take Medicaid/care)

Doesn't that mean the rich would have access to health care that the poor don't get?

Under the bill, the government will fine an individual for refusing to get eligible insurance. Even if you've self insured over the last 20 years, and you've got a "health fund" set up. Can the government fine a business for not accepting insurance? That's kind of like the government fining a private business for not taking food stamps. It's probably in their best interest because they get reimbursed for the food, but it should be up to the company.

The Power of the Consumer

Do you want the best health care in the world for free, with no lines, and close to your house?

That's impossible. Can we at least accept that?

I almost never had to pay health care bills when I had insurance at my old job. Seriously, when I wrecked my motorcycle at 75 mph, I saw amazing doctors and went to great facilities. The care was immediate and effective. (Even before they knew I had insurance)

Do you think everyone should have access to the same insurance? I don't. Why? Because that insurance sucks.

I paid about 200 bucks a month for my health coverage. The coverage was awesome; it had a super low deductible, low out-of-pocket, and great access to doctors. So I thought that was a pretty good deal. Except my company was spending $600 a month on my plan as well. $800 dollars a month? Yeah, that's $9,600 dollars that I didn't get paid, because the company was giving me the "benefit" of coverage. Don't get me wrong: I'm extremely grateful that I had insurance when I got hurt. But that accident was hopefully just a freak occurrence. And that's what I believe insurance is for.

Health Savings Plans

You just say those three words and some people stop listening. "That just won't work for the general population."

I simply don't understand why not. Maybe you can educate me.

Let's crunch the numbers.

A "deductible" in insurance is a dollar amount that you have to pay toward your healthcare every year before the insurance company starts paying. My old insurance had a deductible of $250. (That's amazing) So I had to pay the first $250, and then the insurance company paid 85% of everything after that.

A $10,000 Deductible health plan costs almost nothing. If you spread that out over a medium company, say 100 employees, the average monthly premium would be something like $65 bucks a month. Why so cheap? Because the insurance company doesn't have to pay for the first 10,000 bucks. That means most traditional procedures, pregnancies, prescriptions, and general emergency room visits wouldn't be covered by the insurance company.

Well who has 10 grand sitting around to cover that? Almost nobody.

Well my insurance cost me and the company $9,600 a year.

The new insurance would cost me and the company $780 a year. Which would leave $8,820 in savings.

What would the company do with that 8800? If I were running it you would have two options.

Option 1: A debit card loaded with $5,000 that can only be used for medical purposes, and a $3,800 raise.

Option 2: A debit card loaded with $8,800 dollars that can only be used for medical purposes.

So you would have the responsibility of covering the first $10,000 of your medical expenses each year, but 8,800 would be covered. So if you did have a disaster, then you'd have to come up with $1,200 bucks, and that shouldn't bankrupt you (especially since you could spread it out over 24 months or whatever).

If you wanted to gamble a bit, you could choose option one. Then you might have to come up with 5,000 bucks for a disaster, but you'd have more money coming into your paycheck, and hopefully you could invest in your own health fund. Maybe you'd even be able to make some money with it.

Oh, and one more thing. THE MONEY WOULD ROLL OVER.

Under option 2, if you are healthy for 10 years, you'd have 86,000 buckaroos in your health savings account, and you'd still have insurance. In my company, as soon as you built up an amount twice the size of your deductible (or $20,000) then the rest of the contributions would go into your retirement account.

And this wouldn't cost me any more that the expensive insurance you were already getting.

The opposing argument would suggest that this strategy wouldn't work for the whole population. Some employers don't provide benefits at all, and the drop in contributions to health insurance would make insurance rates go up for everyone.

First, everyone can afford disaster insurance or get on medicaid. You can find a way.

Second, nobody can predict the exact effect on premiums, but you can bet your bottom dollar that health care costs would go down.

why? Because in the current system you don't know how much stuff costs.

The food insurance metaphor is a bit silly. "What if you had food insurance. Someone else is paying, so you'd just buy steak every time you went to the grocery store!"

Well take that and add on the fact that you have no idea how much you'll be charged until AFTER you get the care. Some people do know the price, some of the time. But most people go to the same doctor for everything. That's insane. I don't even buy all of my dairy products at the same store.

If you had a health savings account that would eventually turn into your retirement, you'd start shopping around.

Need to get a funny spot on your neck checked out? Don't just run to your regular dermatologist, call around to every dermatologist in town.

Doctors would start to run specials, they would start to compete. If quality went down, the business would disappear.

You'd find prices listed on the wall in Doctor's offices. "Strep throat test: $42.50"

"Oh, well I can go to the walgreens clinic and get that procedure for $29, bye"

"MRI that you probably only have a 1.7% chance of actually needing: $1,700"

"Need surgery, choose an anesthesiologist:

A: 2 years of experience, Utah Medical School: $1,200

B: 29 years of experience, John's Hopkins: $4,400"

Prices would start to go down because:

1: Doctor's couldn't get away with as much

2: Unnecessary procedures would be eliminated

3: Doctor's would get paid in cash and collection costs would go down, so they would have an incentive to market to these people.

4: People would be encouraged to live healthier lives in order to save money.

A big argument against me is that people would get scammed, some people would choose not to have procedures they ended up needing, and lives would inevitably be lost.

First: Is that worse than the current system? Not really.

Second: That argument works on two faulty assumptions (1) that people can't take care of themselves and (2) that people who make bad decisions shouldn't be responsible for the consequences.

I just don't think it would be that much of a problem. You'd be able to get more informed and get more involved in the process, and you'd still be able to sue people who scam you or who harm you out of negligence.

Could someone tell me where I'm wrong?